The aim of this article is to analyze the prevalence of the use of students loans in Poland and to identify factors influencing the decision of young people to join the program. Analysis included in the article is based on the results of research carried out in 2015 by UMCS Economics Students Faculty under the auspices of lecturers of the Department of Banking, concerning financial aspects of students functioning. The study involved 852 respondents from all universities of the city of Lublin. The researches were preceded by the identification of various models applied in different countries and verification of the universality of participation in them.